Help protect your family's

financial future

How Much Coverage

How much coverage do you need in order to protect your family should you die prematurely? Will they have the funds they need to cover final expenses and immediate obligations? And how will they cover their ongoing expenses into the future? The answer is different for each family, but these calculators can give you a general idea of the amount of coverage you should have to protect your family. Your individual experience may vary. To discuss your insurance needs in detail, please call the number above. Read more >

Needs Calculator

The Needs Calculator allows you to compare the policy beneficiary's estimated future expenses to their estimated income in order to calculate the amount of coverage needed to make up the shortfall. In order to run the calculator, you'll need to estimate how many years you expect your survivor to outlive you. To use the Needs Calculator, enter your estimated yearly costs and indicate the number of years you need to cover. Read more >

QuickCalc

The QuickCalc provides a quick, general estimate based on your annual income. As a rule of thumb, experts recommend you have coverage of at least five to seven times your annual income. For a more detailed needs analysis, you may use the Needs Calculator. Read more >

The calculator does not take into account inflation (currently estimated at 3.96%- 4% per year) or other factors that affect your future needs, which you may want to discuss with a Life Insurance Central Licensed Representative.

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